Do I Need Life Insurance In Arizona?

Arizona is the very definition of the southwest. Depending upon the city, the summers can be very hot and winters can include a lot of snow. Various metropolitan cities exist, including Tucson and Phoenix, offering museums, art galleries, and a significant draw to tourists and locals alike.

Life insurance can be a good thing for you, no matter where you live. Technically, it’s not for you. It’s for those who survive you, such as a spouse and children. They are known as your beneficiaries. When you die, the money goes to them to cover such things as:

– Funeral costs

– Living expenses

– Home expenses

– More

The award amount of the life insurance policy can vary. Most policies are at least $50,000 and some can go up to $1 million. The amount should be reflective of how much you want to help those you leave behind. If there is a lot of debt, an expensive home, or a number of children who need to be put through college, it can be advantageous to explore a higher award amount.

It’s important to think about what you are leaving behind. While no one in Arizona wants to think about their death, it is something that will happen, and it’s important to be realistic. Life insurance doesn’t have to be expensive and there are options. Term, whole, and universal life insurance are all options and will provide you with different costs and benefits.

To ensure you don’t spend more than what you need, you can work with one of our agents. We can explain some of the options you have for coverage in Arizona and then search for different quotes from companies. This will give you a better understanding of what’s out there and how to give something to your family in the event of your death.

Does Homeowers Insurance Cover Roof Damage from a Storm?

Your roof is like the backbone of your home. It works to protect the inside of your home from damage but when there's a problem with your roof, it can a wide-variety of issues. Storms are one of the biggest causes of roof damage, and often when left without remedy, it can lead to serious damage with the homes foundation, which often leads to even more problems that are rather expensive. If you have damage to your roof from a storm in Arizona, you may be covered by your homeowners insurance. 

Steps to take

In most cases, if you're able to show the roof damage was beyond your control and due to natural events. When your home is damaged by a storm, takinIfg the proper steps will ensure that you get the coverage you need. If you're around when the storm occurs and damages roof, you want to first take photos of the roof. The photos will show the damage when it's fresh, and works to prove that it's new, caused by the storm.

Once the damage occurs, it's time to file a claim. The earlier you file, the quicker you'll be provided with an answer. The claim is processed by the insurance company, using details from the case and the company criteria. Once a decision is made, the information is sent to you, along with any additional steps that need to be taken in order to have the roof replaced on your home. If you have any questions during the process, calling your insurance agent will ensure you get them answered right away. 

Explore our website and learn more about our policies that cover roof damage and get a quote for a new policy.